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Displaying 1650 to 1657 (of 1657 questions) |
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User Name:
Linda |
Date:
May 1, 2008, 11:52 am |
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have credit score of 697 want to apply for card to do balance transfers of high interests rates is this a good idea
i ahve one card with 20,000 dollars what should i do thank you |
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Answer:
You are lucky to have a credit score of 697 as it indicates to your very good (not excellent yet) payment history which allows you to qualify for one of the 0% balance transfer credit cards on our web site. Such a card is a perfect tool to do away with your outstanding balance and do it at no interest rate at all. There will be no problem transferring a balance of 20,000 dollars if the chosen credit card allows such a credit limit. So, check if it is a high limit credit card before you apply. If you get approved for a balance transfer plastic with 0% intro APR, take pains to pay off the balance until the introductory period of 12 or 6 months is over. Otherwise you will have to pay interest charges which may be unfavoravle to you. Examine all the balance transfer offers on our site and choose a card that will help you eliminate debt with least effort, time and money. Feel free to apply online, which is secure and fast. |
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User Name:
Danny James |
Date:
May 1, 2008, 6:59 pm |
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How can you get a lower rate card balance transfer when you are close to your credit limits but make timely payments? |
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Answer:
The interest rate on a balance transfer credit card will depend on your credit score. If you make monthly payments on time and never exceed the credit limit, your credit score must be rather high to be able to apply and be approved for a 0% intro APR or low fixed rate interest balance transfer card. Check all the balance transfer offers on our site, paying special attention to their requirements. It is advised that you apply for a plastic which requirements you meet so as not to get a denial. if you get yourself a balance transfer card with 0% intro APR, making only minimum monthly payments would not be enough. You will have to pay more to cope with paying off your balance withing the 12 or 6 months of the introductory period. looking for a balance transfer deal, mind that it may involve a balance transfer fee that might be rather high. Compare the key features of the credit cards and apply for a most benefitial offer. |
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User Name:
ESMERALDA |
Date:
May 2, 2008, 12:03 am |
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i have excellent credit and im triying to find a good credit card witch also offer cash back |
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Answer:
Excellent credit rating gives access to irresistible credit card applications available on the market and allows you to qualify for some of the best high limit and low rate credit cards offered. Your major task is to be reasonable and smart choosing a credit card from a wide variety of deals for different purposes and consumer spending types. Remember the gold rule - apply for a credit card that answers to your purposes and meets your spending pattern and lifestyle on the whole. If your aim is to benefit from a cash back program mostly, look through our cash back credit card applications online and choose one that offers most agreeable for your financial resources rates, fees and other charges. Use the card at select merchants for they give up to 5% cash back and so bring more saving opportunities to you. Be a responsible cardholder and avoid penalty charges as they may reduce the cash back rewards profit to nothing. |
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User Name:
shanika vick |
Date:
May 2, 2008, 12:56 am |
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im only 19 so i don't have a credit history and i only make about $12,000 a year. im trying to build my credit up and most banks turn me down because of my low income. Im a very responsible person and i know i can keep up with the payments so where can i find a credit card thats right for me? |
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Answer:
Well, your income is really not so high as required by most card issuing companies, that is a fact. But the worse thing is the lack of credit history, which does not allow creditors to estimate your risk. So, the firs thing is to start building your own payment history and second is to find one more source of income. There is a problem, however. You cannot qualify for a credit card because of you history and income, and this is a closed disk. Do not get frustrated, though. You can easily start off with a secured credit card offering credit lines of up to $10,000. You will be required to make a beforehand collateral deposit to be approved for the secured card and you may ask "What's the sense in such a card?". The sense is great, actually. Your regular monthly payments, your responsible card use will be reported to the credit bureaus and will build a strong credit history. You can also check cards for nor credit on our site, but be ready to pay hefty fees and great interest rates. |
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User Name:
BONNIE SUMMERS |
Date:
May 4, 2008, 7:58 pm |
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IF I APPLY ONLINE FOR A CREDIT CARD AND THE INTEREST RATE IS HIGHER THAN WE WANT , ARE WE OBLIGATED TO TAKE THE CARD OR CAN WE WITHDRAW OUR APPLICATION? |
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Answer:
Do not be afraid to withdraw the credit card you have just applied for. As a matter of fact, when you close a credit card account, you delete part of your credit history and so lower your debt ratio. In your case, you have very little, if any, history on the card, especially if you did not activate it. So your credit score will only take a small hit which will soon disappear from your credit report. If you are not going to make a big purchase in the nearest future, feel free to withdraw the application you made. However, we would not recommend you to practice this thing. Remember, that every application you make involves checking your credit (hard inquiry) which hurts your rating all the same. So try to make fewer but right credit card applications. Apply for a credit card no more that two times a year and choose as reasonably as you can, so as not to cancel it soon later. |
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User Name:
yesi |
Date:
May 4, 2008, 8:11 pm |
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I have a credit score of 685 i want to apply for card to do a balance transfer, i have 18,000 in AMX. |
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Answer:
Your good credit score allows you to make a balance transfer credit card application and be approved for it in a couple of hours or even minutes. On our site you will find a wide range of balance transfer offers from Discover, Chase bank, Citibank and American Express company. If you want to transfer $18,000 you have to check if the card you mean to apply for does allow such a limit, otherwise you will not get approval. When comparing balance transfer offers, pay attention to the interest rate plan, whether it is 0% intro APR or a low % ongoing (fixed) rate for until the balance is paid off. Then, make sure that the balance is transferred immediately, so that you do not continue to pay interest to your first company. When you get the balance transfer plastic, do not hurry to spend on it! Rememebr, it has a different APR which applies to purchases and still another APR which applies to cash advances. Use the card wisely and your debt will pay off the debt in a flash. |
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User Name:
ann |
Date:
May 4, 2008, 8:18 pm |
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can you apply for additional credit card before you get discharge from chapter13 bankruptcy? |
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Answer:
Actually, the question here is not whether you can or cannot apply for a credit card while going through a repayment plan but whether you will be approved for the card or not. As a matter of fact, bankruptcy hurts your credit rating and shows you as a bad credit risk, so not all creditors will be willing to open a line of credit with such applicants. If you are speaking about an additional card offer to the card you are currently using, then you need to contact the bank and resolve the question on a case-by-case basis. If you are speaking about a completely new credit card application, then we recommend you to be very carefull and realistic choosing a plastic. As there is a bankruptcy declaration in your credit report, you will not qualify for a good, low rate and no fees offer. Even if you do have chances for approval, it will most certainly be a secured card or a bad/no credit card with very low limit and hefty fees. However, it is still a credit card, only with tougher terms to compensate for the risk the company is taking with you. |
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